Compare Manipal Cigna vs Godigit Health Insurance Plans
| Manipal Cigna | Godigit | |
|---|---|---|
| Claims Settlement Ratio ** | 90.02% | 60 |
| Number of Lives Covered * | 1,101,000 | -- |
| Network Hospitals | 6,500 + | 6,400 + |
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|---|---|---|---|
| ProHealth | ProHealth Select | Digit Health Care Plus | Digit Health Plus |
| In-patient Treatment | |||
ProHealth Protect: For sum insured up to Rs.5.5 Lakhs - Covered up to Single Private Room For sum insured Rs.7.5 Lakhs and Above - Covered up to any Room Category except Suite or higher category ProHealth Plus: Any hospital room except Suite ProHealth Preferred: Any hospital room except Suite ProHealth Premier: Any hospital room except Suite ProHealth Accumulate: For sum insured up to Rs.5.5 Lakhs - Covered up to Single Private Room For sum insured Rs.7.5 Lakhs and Above - Covered up to any Room Category except Suite or higher category |
Covered | Maxima Restore Super: All Illness Hospitalization Early Cover: All Illness Hospitalization Super Care: All Illness Hospitalization |
Covered |
| Room Rent | |||
| Up to Single Private Room / Unlimited eligibility based on plan opted | Covered up to Single Private Room | Maxima Restore Super: No room rent restriction Early Cover: No room rent restriction Super Care: No room rent restriction |
Covered(shared or private room subject to a Limit Per Day as opted by You and mentioned in Your Policy ) |
| ICU Charges | |||
| Covered up to sum insured | Up to 4% of sum insured for ICU up to a max of 7,000 | Covered | Covered |
| Pre-hospitalization | |||
| Up to 60 days Covered | Up to 60 days Covered | Maxima Restore Super: 30 days Early Cover: 30 days Super Care: 30 days |
Covered |
| Post-hospitalization | |||
| Up to 90 days Covered | Up to 90 days Covered | Maxima Restore Super: 60 days Early Cover: 60 days Super Care: 60 days |
Covered |
| Day Care Procedures | |||
| 500 plus listed Day Care treatments covered up to sum insured | 171 procedures, covered up to full sum insured | Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered |
Covered |
| Domiciliary Treatment | |||
| Treatment at home covered up to sum insured | Covered up to sum insured | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Covered |
| Emergency Ambulance | |||
ProHealth Plus: Up to 2,000 per event ProHealth Protect: Up to 3,000 per event ProHealth Plus: Actual expenses per event ProHealth Preferred & ProHealth Premier: Up to 2,000 per event ProHealth Accumulate: Up to 2,000 per event |
Up to 2,000 per hospitalization event | Maxima Restore Super: 1% upto Rs.5,000 Early Cover: 1% upto Rs.5,000 Super Care: 1% upto Rs.5,000 |
Covered |
| Dental Treatment | |||
| Not covered | Not covered | Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered |
Covered |
| Bariatric Surgery | |||
| Yes, if Bariatric surgery cover is opted | Not covered | Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered |
Covered |
| Ayush Benefit | |||
| In-patient hospitalization covered up to sum insured | Coverage for Ayurvedic, Yoga & Naturopathy, Unani, Siddha and Homeopathy up to the limit of sum insured | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Covered |
| Maternity Benefits | |||
ProHealth Plus: 15,000 for normal; 25,000 for C-section (per event ProHealth Preferred: 50,000 for normal; 1 lac for C-section (per event) ProHealth Premier: 1 lac for normal; 2 lacs for C-section (per event) |
Not covered | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Covered (if opted by You.) |
| New Born baby cover | |||
| Covered within maternity expenses | Not covered | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Covered (if opted by You.) |
| Organ Donor Expenses | |||
| Covered up to sum insured | Covered up to sum insured | Maxima Restore Super: Covered Early Cover: Not Covered Super Care: Not Covered |
Organ transplantation charges, including donor’s pre and post hospitalization expenses are covered and the limit is 5% of the amount claimed. |
| Vaccination (In case of post bite treatment) | |||
| Not covered | Not covered | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Covered (if opted by You.) |
| Health Check-up | |||
ProHealth Plus: Available each policy year(excluding the first year ProHealth Protect: Available once every 3 rd policy year ProHealth Preferred & ProHealth Premier: Available each policy year(excluding the first year) ProHealth Accumulate: Available once every 3 rd policy year |
Covered | Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered |
Covered |
| Hospital daily allowance | |||
| Not Covered | Not Covered | Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered |
Covered |
| Co-pay | |||
| Covered | Covered | Maxima Restore Super: No Age based Co-Payment Early Cover: No Age based Co-Payment Super Care: No Age based Co-Payment |
Covered |
| Pre-existing diseases coverage | |||
| Preferred plan & Premier plans covered after 24 months Accumulate & Plus plans covered after 36 months Protect plan covered after 48 months |
Not Covered | Maxima Restore Super: 2 year waiting period for PED Early Cover: 2 year waiting period for PED Super Care: 3 year waiting period for PED & 2 year for Specific illness |
Pre-existing Disease as defined in this policy shall not be covered until the number of months of continuous coverage as opted by you and mentioned in policy schedule |
| Restore Benefit | |||
| Up to 100% of Base sum insured per year | Up to 100% of Base sum insured per year | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
NIL restoration benefit |
| General waiting period | |||
| 30 days | 30 days | Maxima Restore Super: 30 days Early Cover: 30 days Super Care: 30 days |
30 days |
| Renewal Benefit / Cumulative Bonus | |||
ProHealth Plus: Available once every 3 rd policy year ProHealth Protect & ProHealth Plus: Guaranteed 5%, Max - 200% ProHealth Preferred & ProHealth Premier: Guaranteed 10%, Max - 200% ProHealth Accumulate: Guaranteed 5%, Max - 200% |
5% each year maximum up to 100% on non-reducing basis | Maxima Restore Super: 10% each claim free year (max 50%) Early Cover: 10% each claim free year (max 50%) Super Care: 10% each claim free year (max 50%) |
You would be eligible for Cumulative Bonus at the time of renewal as mentioned in Your Policy Schedule |
| Emergency Air Ambulance | |||
| Not Covered | Not Covered | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Air ambulance cover is provided in case of life threatening medical conditions requiring immediate transportation to the proximate hospital. |
| Available sum insured options | |||
ProHealth Plus: Rs.4.5, 5.5, 7.5, 10, 15, 20, 25, 30, 50 Lakhs ProHealth Protect: Rs.2.5, 3.5, 4.5, 5.5, 7.5, 10, 15, 20, 25, 30, 50 Lakhs ProHealth Premier: Rs.100 Lakhs ProHealth Preferred: Rs.15, 30, 50 Lakhs ProHealth Accumulate: Rs.5.5, 7.5, 10, 15, 20, 25, 30, 50 Lakhs |
ManipalCigna ProHealth Select Insurance Plan A: Rs.0.5 1,2,3,4,5,7,10,15,20,25 lakhs Plan b: Rs.2,3,4,7,10,15,20,25 lakhs |
Maxima Restore Super: Rs.3 to 25 Lakhs Early Cover: Rs.3 to 25 Lakhs Super Care: Rs.3 to 25 Lakhs |
Starting from Rs. 2 Lakh |
| Policy can be purchased for | |||
| 1/2/3 years | 1/2/3 years | Maxima Restore Super: 1/2/3 years Early Cover: 1/2/3 years Super Care: 1/2/3 years |
1/2/3 years |
| Eligibility criteria | |||
| Min Entry Age: Child - 91 days, Adult - 18 years Max Entry Age: No limit |
Minimum Entry Age: 91 Months Maximum Entry Age For Dependent Children: 23 Years Maximum Entry Age for Adults: 65 years |
Adults from 18 to 80 years (dependent children will be covered till the age of 25 years) |
Between the age group of 1 year and 60 years |
| Renewability | |||
| Renewal for whole life | Renewal for whole life | Renewal for whole life | Renewal for whole life |
| Daily Cash for Accompanying an Insured Child | |||
| Not covered | Not covered | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Covered |
| Claims loading | |||
| No Loading | No Loading | No Loading | No Loading |
| Portablity (At the time of renewal) |
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| Yes | Yes | Yes | Yes |
| Tax Benefits Limit | |||
| Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D |
